The following table shows the small business loans, risk migration matrix for UWI Community Bank Ltd. over the past year. The bank is interested in understanding the changes in its risk profile for these loans to decide on the credit quality and possible expansion in this sector. You have recently joined the bank and your first assignment is to analyse the matrix below and address the questions which follows: Risk migration matrix for UWI Community bank Ltd. (small business loans) 2007 D 2008 B D 97% 0.5% 1.0% 1.5% B 2.0% 60% 25% 13% 0% 3% 95% 2% 0% 1% 19% 80% | Identify the most significant change in the period and state its potential impact on the bank's profitability, capital and valuation and the above data is a summary of your loans, list three recommendations you would support for improving the quality of the portfolio